Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.39% | +0.20 | 2.19% |
| Return on Equity (%) | ▼ | 19.56% | -0.37 | 19.93% |
| Net Interest Margin (%) | ▲ | 4.02% | +0.25 | 3.77% |
| Efficiency Ratio (%) | ▲ | 38.92% | -1.66 | 40.58% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.23 | $2 |
| Cost of Funds (%) | ▼ | 0.77% | +0.01 | 0.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $340 | +3.32 | $337 |
| Gross Loans ($M) | ▲ | $179 | +8.87 | $170 |
| Loan Growth YoY (%) | ▲ | 59.36% | +2.96 | 56.39% |
| Total Deposits ($M) | ▼ | $298 | -0.12 | $298 |
| Shareholders Equity ($M) | ▲ | $42 | +3.37 | $38 |
| Tang. Book Value ($M) | ▲ | $42 | +3.37 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $46 | +3.39 | $43 |
| Loan / Deposit Ratio (%) | ▲ | 59.36% | +2.96 | 56.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.15% | 0.01% | 1.15% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 22.11% | +0.82 | 21.29% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▃▄▄▇█ | Net Interest Margin (%) | 3.68% | 3.73% | 3.72% | 3.77% | 3.81% | 3.85% | 3.95% | 4.02% |
| ▄▁▃▃▄▁▇█ | Return on Assets (%) | 2.22% | 2.08% | 2.17% | 2.19% | 2.23% | 2.08% | 2.31% | 2.39% |
| ▁▆▃▃▃█▂▁ | Efficiency Ratio (%) | 38.7% | 43.0% | 40.2% | 40.6% | 40.2% | 44.6% | 39.6% | 38.9% |
| ▄█▄▁▅▇▂▁ | Cost of Funds (%) | 0.82% | 0.90% | 0.83% | 0.76% | 0.84% | 0.88% | 0.80% | 0.77% |
| ▁▇▅▅▃█▁▁ | NPA / Assets (%) | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% |
| ▁▇▅▅▃█▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% |
| ▁▁▃▅▆▇██ | Tang. Book Value ($M) | $35 | $35 | $37 | $38 | $40 | $40 | $41 | $42 |
| ▁▆▁▁▁▅▃█ | Gross Loans ($M) | $170 | $176 | $171 | $170 | $170 | $175 | $173 | $179 |
| █▇▁▆█▅▁▆ | Total Deposits ($M) | $305 | $300 | $286 | $298 | $304 | $296 | $284 | $298 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 8% |
| Agricultural | 10% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 11% |